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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $487,171 | $254,759+91.2% | $216,567+125.0% | $198,609+145.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 10.96% | 10.04%+0.9pp | 12.94%-2.0pp | 202.70%-191.7pp |
| Employer contribution / active EE | $4,255 | $6,096-30.2% | $5,216-18.4% | $5,055-15.8% |
| Participant deferral / active EE | $2,596 | $6,948-62.6% | $6,191-58.1% | $6,977-62.8% |
| Admin fee / account holder | $15,196 | $26,311-42.2% | $21,981-30.9% | $19,030-20.1% |